upgrade your account to a margin one if you can or search for one on another platform and don't delay. for short-term: momo is now!
note: however, only use discretionary funds on the riskiers, ie otcbb/pinky's and have a portfolio with a mix of risk. it takes a while when you first start up but you'll get there. of course all imho! glty
double check with your broker, but I believe you can buy stock with unsettled funds as long as you don't sell them within 3 days of buying. like I said, check with the broker.
as far as the eggs in one basket that's really a personal call.